HDFC BOB AUTOMATIC LE LIMIT ENHANCEMENTS OFFERS

Dear HDFC & BOB Card Holders I am looking for advice on automatic limit enhancements LE I.e. not manually i am looking for automatically or any offers which card usage patterns has higher chances to trigger, with how longer need to wait months, years, seems sometimes 30% utilization or around myths not sufficient it looks credit age, repayment history or something else like pincode, black listed area by following bank due to default credit risk or metro, urban areas pincode getting smoothly .

Kindly share your opinions or advice Regards above concerns here many peoples are using cards from last many years what was there experience it is similar to all bank or come under internal policy section different with each bank credit age criteria.